Unlocking the 702s Plan: How to protect my 401k from stock market crash

How to protect my 401k from stock market crash

April 7, 2025

By William H. Steiner, Founder & Chief Strategist, The 702s Plan

Stock market meltdown hits 401(k) investors hard for 3rd day.It’s a headline that has become far too common—and for America’s working class, far too costly. In just three trading sessions, billions in retirement savings have vanished, along with the confidence of a nation told to "just ride it out." For many, this isn't a bump in the road. It's a full-blown derailment.

The 401(k), once hailed as the cornerstone of retirement planning, is increasingly exposing its greatest flaw: volatility. Built on market performance, it rewards during bull runs but punishes severely during downturns. That’s not a plan. That’s a gamble—one that the average American family can no longer afford to make.

Enter the 702s Plan, a modern solution for a broken system.

Rooted in the stability of properly structured life insurance contracts, the 702s Plan offers a dramatically different philosophy: guaranteed growth with zero market risk. It is designed to replace the unpredictability of 401(k)s with a predictable, tax-advantaged, and contractually secure alternative. Instead of hoping the market behaves, the 702s Plan shields your future from volatility altogether.

“This is the first time in history that a working family can protect their financial future from ever losing money to the stock market,” says William H. Steiner, Founder & Chief Strategist of The 702s Plan. “Imagine a new generation of Americans that will never experience the losses their parents and grandparents suffered—because they chose a better plan.”

What makes the 702s Plan revolutionary is not just what it does—it’s what it avoids. It avoids losses during downturns. It avoids mandatory distributions that penalize long-term growth. It avoids the fear that comes with every market headline.

The 702s Plan is not about speculation. It’s about security.

This is not just a lifeboat for troubled times; it’s a long-term vessel for wealth creation, legacy building, and financial peace of mind. For middle-class families who have long been promised that a 401(k) alone could carry them into retirement, the 702s Plan says: There’s a better way on how to protect your 401k from a stock market crash

It is time to envision a retirement system where predictability, protection, and performance can co-exist. As more Americans wake up to the risks baked into traditional plans, the 702s Plan stands ready—not just as an alternative, but as the preferred replacement for the working class who deserve better than boom-and-bust uncertainty.

Let Wall Street have its rollercoaster. The rest of us are ready for a smoother ride.

To learn more, be sure to visit W.H. STEINER at👉 https://www.whsteiner.com/401k-or-702splan